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New York ZIP Codes
Sullivan County
Narrowsburg, NY
12764
12764 ZIP Code — Narrowsburg, NY
Sullivan County, New York
ZIP code 12764 is located in
Narrowsburg ,
New York ,
within Sullivan County .
It covers approximately 60.63 square miles and serves a population of
1,713 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 845 .
About ZIP code 12764
The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $214,500. Owner-occupancy is high at 84%, well above the national average.
The gap between median ($56,828) and mean household income suggests income inequality — a small number of higher earners pull the average up. 34% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 41 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 28% of workers work from home.
Educational attainment is near the national average, with 36% of residents holding a bachelor's degree or higher.
Overall, ZIP code 12764 reflects a community defined by high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.
12764 ZIP code map
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Cities in ZIP code 12764
Below are the cities the US Postal Service accepts for ZIP code 12764. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
1,713
Population density
28 / sq mi
State FIPS
36
County FIPS
105
Geography
Land area
60.63 sq mi
Water area
1.77 sq mi
Latitude
41.5950
Longitude
-74.9736
Timezone
Eastern (ET)
Area code
845
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
54.2%
43.2%
37.0%
$50k – $100k
21.6%
29.3%
27.0%
$100k – $200k
20.4%
22.4%
24.4%
Over $200k
3.8%
5.2%
11.5%
Demographics & statistics
$56,828
Median household income
$214,500
Median home value
35.6%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 231 13.5% 18 and over 1,482 86.5% 65 and over 363 21.2% Median age 50.1 years
Race & ethnicity
Black or African American
5.1%
Group Count % White 1,512 84.9% Black or African American 90 5.1% Hispanic or Latino 68 3.8% Two or more races 48 2.7% Asian 32 1.8% Other race 31 1.7%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
54.2%
43.2%
37.0%
$50k – $100k
21.6%
29.3%
27.0%
$100k – $200k
20.4%
22.4%
24.4%
Over $200k
3.8%
5.2%
11.5%
Range % of households Under $10k 0.7% $10k–$15k 2.6% $15k–$25k 5.4% $25k–$35k 17.4% $35k–$50k 11.9% $50k–$75k 20.6% $75k–$100k 11.0% $100k–$150k 14.6% $150k–$200k 9.3% $200k+ 6.5% Median income $56,828
Housing
Housing overview
Metric Value Median home value $214,500 Median rent / month $902 Owner occupied 84.1% Renter occupied 15.9% Vacant 42.7% Single-family detached 85.7% Large apartment buildings 0.1% Mobile homes 10.3% Median rooms 5.8 Avg household size (owned) 2.00
Year built
Era % 2020 or later 0.0% 2010–2019 5.8% 2000–2009 13.6% 1990–1999 8.3% 1980–1989 9.4% 1970–1979 12.6% 1960–1969 7.4% 1950–1959 10.6% 1940–1949 12.3% 1939 or earlier 20.0%
Bedrooms
Size % of units No bedroom (studio) 3.6% 1 bedroom 4.2% 2 bedrooms 27.0% 3 bedrooms 46.3% 4 bedrooms 13.7% 5+ bedrooms 5.3%
Vehicles per household
Vehicles % of households No vehicle 1.7% 1 vehicle 40.4% 2 vehicles 37.5% 3 or more 20.5%
Heating fuel
Fuel type % Utility gas 2.4% Electricity 15.4% Propane / LP gas 10.9% Fuel oil 62.9% Wood 6.0% Solar 0.4%
Households & families
Household type Count % Married-couple family 370 44.3% Cohabiting couple 49 5.9% Male householder, no spouse 150 18.0% Female householder, no spouse 266 31.9% Households with children under 18 179 21.4% Households with seniors (65+) 265 31.7% Average household size 1.96
Marital status
Status Male Female Never married 32.3% 22.0% Married 57.3% 48.5% Separated 0.6% 1.0% Widowed 0.8% 14.2% Divorced 9.0% 14.3%
Education
Some college, no degree
22.6%
Graduate / professional
12.6%
Metric % HS diploma or higher 87.2% Bachelor's or higher 35.6%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 55 19.0% Kindergarten 11 3.8% Elementary school 102 35.2% High school 34 11.7% College / grad school 88 30.3%
Employment
Industry of employment
Education & healthcare
24.1%
Professional & management
18.8%
Arts, food & hospitality
13.3%
Finance & real estate
4.9%
Transportation & utilities
4.8%
Public administration
3.5%
Occupation
Category % Management, business & arts 52.2% Service 13.5% Sales & office 14.3% Natural resources & construction 11.8% Production & transportation 8.2%
Employment type
Type % Private sector 72.2% Government 13.8% Self-employed 14.0% Unpaid family workers 0.0%
Commute
Method % Drive alone 57.9% Carpool 8.2% Public transit 2.9% Walk 2.9% Work from home 27.5% Other means 0.5% Avg commute (minutes) 41.0
Poverty
Married-couple families
4.3%
Female-led households
0.0%
Income support
Source % of households Social Security 33.9% Retirement income 21.4% Supplemental Security 1.4% Cash public assistance 1.6% Food stamps / SNAP 5.4%
Health indicators
Condition % Obesity 33.4% High blood pressure 36.9% High cholesterol 36.6% Diabetes 11.8% Heart disease 8.2% Stroke 3.8% Asthma 10.4% Arthritis 29.4% Kidney disease 3.6% Pulmonary disease 8.7% Cancer 8.2%
Behavior / access % Smoking 18.3% Binge drinking 15.6% No physical activity 25.5% Less than 7 hrs sleep 34.5% Depression 21.1% Fair or poor health 14.9% Poor mental health 13.5% Poor physical health 11.5% No health insurance 10.6% Visited doctor (checkup) 78.3% Visited dentist 63.2% Cholesterol screening 92.6% Teeth loss 14.3%
Veterans & disability
Veterans Count % Civilian veterans 88 5.9%
Disability % Any disability 15.5% Under 18 0.0% 18–64 years 12.8% 65 and over 33.6%
Health insurance coverage
Type % Private insurance 69.1% Public insurance 44.4% No insurance 2.4% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 1,671 97.5% Spanish 57 3.4% Other Indo-European 6 0.4% Asian & Pacific Islander 42 2.5% Other languages 9 0.5%
Place of birth & citizenship
Origin Count % Native born (US) 1,595 93.1% Born in same state 1,569 91.6% Born in different state 1,050 61.3% Foreign born 26 1.5% Naturalized citizen 118 6.9% Not a US citizen 104 88.1%
Ancestry
Ancestry Count % Italian 318 18.6% French 161 9.4% Arab 101 5.9%
Ancestry Count % English 57 3.3% Polish 12 0.7% Irish 3 0.2%
Technology access
Metric % of households Computer access 48.7% Internet access 94.7%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 12764
What city is ZIP code 12764 in?
ZIP code 12764 is primarily assigned to Narrowsburg, New York.
What county is ZIP code 12764 in?
ZIP code 12764 falls within Sullivan County, New York.
Is ZIP code 12764 mostly owner-occupied?
84% of occupied units in ZIP code 12764 are owner-occupied, well above the national average.
What is the population of ZIP code 12764?
ZIP code 12764 has an estimated population of 1,713 residents, with a density of 28 people per square mile.
What is the median household income in ZIP code 12764?
The median household income in ZIP code 12764 is $56,828, below the national median of ~$75,000.
What is the typical home value in ZIP code 12764?
The median home value in ZIP code 12764 is $214,500.
What timezone is ZIP code 12764 in?
ZIP code 12764 observes the EST timezone.
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